Will homeowners insurance cover my premises liability accident claim?

Homeowners Insurance and Premises Liability CasesNot all premises liability accidents occur at restaurants, malls, grocery stores, or other business property. In some cases, a person can suffer long-term injuries in a slip and fall or other premises liability accident at someone’s home. If you suffered injuries at a private residence, you may be able to file a claim with the person’s homeowners insurance company to obtain compensation for your injuries.

What Are Common Causes of Premises Liability Claims at Private Residences?

In order to hold a homeowner responsible for compensating you for your injuries, you must prove that he was negligent. To prove this, you must show that an unsafe condition existed on the property that he knew or should have known about and that he failed to correct the problem or warn you of the danger. Common causes of slip and fall accidents at a residence include:

  • Water or other spills
  • Cracked or worn flooring
  • Torn or frayed carpeting
  • Flooring that is not level
  • Leaking roof
  • Stairways with shallow steps, defective handrails, or no handrails
  • Sidewalks with cracks or holes
  • Sidewalks that are slippery due to snow and ice

Not all claims against a homeowner arise out of a slip and fall accident. A few other types of claims that can be paid by homeowners insurance include:

  • Dog bites
  • Swimming pool accidents
  • Negligent supervision of a child claims against a homeowner when a child is injured at his home

Types of Homeowners Insurance Coverage

If the property owner was negligent in causing your injuries, you will need to determine whether the owner purchased homeowners insurance coverage. Slip and fall and other premises liability accidents are generally covered under a homeowner’s insurance policy. You may be entitled to compensation under the following coverages that are typically offered in these policies:

  • Liability coverage. Liability coverage will cover your medical bills, lost wages, and pain and suffering up to the insurance policy limits if the homeowner was negligent in causing your injury.
  • Medical coverage. This is no-fault medical coverage, which is also known as med pay. It can pay some of your medical bills regardless of the homeowner’s fault in covering your injuries. In most cases, medical coverage is often much less than liability coverage, such as in the $5,000 to $10,000 range.

If you suffered an injury in a premises liability accident at a residence, you need the assistance of an experienced premises liability attorney to file your claim and negotiate your settlement. Learn about your legal options and our years of experience in handling these cases by starting an online chat to schedule your free, no-obligation consultation.